| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NAVIGATION BENEFITS LCL3 | 64 E UWCHLAN AVE. #261 EXTON, PA 19425 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | — | $3K | 9.20% |
| MITCH BESVINICK3 | 1280 BRIGHTON WAY NEW TOWN SQUARE, PA 19073 | TRANSAMERICA LIFE INSURANCE COMPANY | $690 | — | $690 | 2.08% |
| ROBERT B. WINKELMAN III3 Filed as: ROBERT B WINKLEMAN | 117 FOREST AVE STE 203 NARBETH, PA 19072 | TRANSAMERICA LIFE INSURANCE COMPANY | $497 | — | $497 | 1.49% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| KEY BENEFIT ADMINISTRATORS, INC EIN 35-1450364 NONE | Contract Administrator Service code 13 | 8330 ALLISON POINTE TRAIL INDIANAPOLIS, IN 46250 | $67K |
| MITCH BESVINICK NONE | Insurance agents and brokers Service code 22 | 1280 BRIGHTON WAY NEW TOWN SQUARE, PA 19073 | $19K |
| MULITIPLAN EIN 35-0248379 NONE | Contract Administrator Service code 13 | 115 5TH AVE 7TH FLOOR NEW YORK, NY 10003 | $19K |
| NAVIGATION BENEFITS LLC EIN 26-4121129 NONE | Insurance agents and brokers Service code 22 | 64 E UWCHLAN AVE #261 EXTON, PA 19425 | $18K |
| RGI LLC EIN 32-0176370 NONE | Contract Administrator Service code 13 | 8330 ALLISON POINTE TRAIL INDIANAPOLIS, IN 46250 | $12K |
| ROBERT B WINKLEMAN NONE | Insurance agents and brokers Service code 22 | 117 FOREST AVENUE ATE 203 NARBERTH, PA 19072 | $12K |
| AMERICAN HEALTH DATA INSTITUTE EIN 35-2048379 NONE | Contract Administrator Service code 13 | 8330 ALLISON POINTE TRAIL INDIANAPOLIS, IN 46250 | $12K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 473 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 473 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMPANION LIFE INSURANCE | 473 | $37K |
| Dental | TRANSAMERICA LIFE INSURANCE COMPANY | 16 | $33K |
| Life insurance | COMPANION LIFE INSURANCE | 473 | $37K |
| Other | TRANSAMERICA LIFE INSURANCE COMPANY | 16 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 473 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.